I have never paid for Obummercare, I went without insurance for 20 years, "self-insured myself" and paid the fines instead. Obummercare rates are determined by earned income. My annual earned income has been near $0 for 20 years (only interest on savings in a ZIRP economy). I could have had free Obummercare since its inception because my significant income has been exclusively long term gains and that is not treated as earned income. I would have had virtually free Obummercare while making an order of magnitude more money than those hard working folks who would be paying for it. I thought Obummercare was unconstitutional and wanted no part of it. If I had taken the free Obummercare, it would have been unethical in my mind so I flatly refused. Fortunately I have had no medical issues and came out on top with my money, my health and my integrity intact. I'm anal like that. I've never collected unemployment, welfare or any other government subsidy or handout. It gives me a sense of old school pride to be able to say that, FWIW. Old school of the old schoolers I guess. I have a couple of friends/acquaintances on disability that could be working but continue to play within the system. I don't go near the subject around them.